Up to 4.15% APY: The 3 Best Long-Term CDs of October 2025

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The Federal Reserve recently projected a decline in interest rates through 2027 and beyond. That means today's high certificate of deposit (CD) rates will soon be gone -- and they won't return anytime soon.

The good news is that with our favorite long-term CDs, you can still earn a high APY for years to come. Here are four of the best long-term CDs available today.

1. Best 3-year CD: Synchrony Bank

For slightly longer-term CDs, Synchrony Bank's got you covered.

At the moment, you can earn 3.75% APY with a 3 Yr. Synchrony Online CD. That comes out to about $1,248 in earned interest on a $10,000 deposit.

We also love Synchrony Bank for its versatile portfolio of CDs with no minimum deposits, tons of term options, and perks like no-penalty and bump-up CDs. If you're looking for a wide range of CD options from a single provider, Synchrony Bank is absolutely worth a look.

Rates as of Oct. 23, 2025

Synchrony Online CD

Member FDIC.
APY:
3.75%
Term:
3 Year
Min. Deposit:
$0
Open Account for Synchrony Online CD

On Synchrony Bank's Secure Website.

2. Best 5-year CD: Synchrony Bank

Synchrony Bank's also got one of the best 5 Yr. CDs on the market: Right now, you can earn 4.00% APY on your cash for the next half-decade.

If you put $10,000 into a 5 Yr. Synchrony Online CD today, you'd earn about $2,254 in interest. Not bad.

Ready to learn more? Check out all of Synchrony Bank's CD offerings today.

Rates as of Oct. 23, 2025

Synchrony Online CD

Member FDIC.
APY:
4.00%
Term:
5 Year
Min. Deposit:
$0
Open Account for Synchrony Online CD

On Synchrony Bank's Secure Website.

3. Best 10-year CD: Discover® Bank

Looking for a high-earning CD with one of the longest term lengths out there? Look no further: Right now, Discover® Bank is offering a 10 Yr. CD with 3.50% APY.

That means with a $10,000 initial deposit, you can rack up about $4,105 in interest -- all for letting your money grow in a safe and secure CD.

Discover also offers a wide range of shorter-term CDs, starting at just 3 months and including term lengths of three, four, five, and seven years. For tons of flexibility on CDs of all lengths, Discover is another great choice.

Want to earn 3.50% for the next decade? Check out our full list of Discover® Bank CDs to open one today.

Rates as of Oct. 23, 2025

Discover® Bank CD

Member FDIC.
APY:
3.50%
Term:
10 Year
Min. Deposit:
$0
Open Account for

On Discover Bank's Secure Website.

Our Research Expert